2004 Chevrolet Astro Insurance Cost – 5 Ways to Save

There isn’t a single person who is fond of buying insurance, in particular when they could find better rates elsewhere.

Because there are so many choices of insurance companies, it can be impossible to choose the lowest cost insurance provider.

It’s a good habit to do price comparisons quite often because insurance prices trend upward over time. If you had the best deal for Astro coverage two years ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance because you’re about to learn one of the easiest ways to find better coverage at a better price.

Buying car insurance is not that difficult. If you have car insurance now, you should be able to cut costs considerably using these techniques. But car owners do need to understand how big insurance companies price insurance differently and take advantage of how the system works.

Quote insurance coverage online

There are several ways you can shop for insurance coverage but one way is more efficient than others. You can spend countless hours talking to agents in your area, or you can utilize online quoting to maximize your effort.

Most of the larger companies take part in a program where prospective buyers enter their policy data once, and at least one company can give them a price based on that data. This eliminates the need for repetitive form submissions to each individual insurance coverage company.

To find out what other companies charge click here (opens in new window).

The one downside to comparing rates this way is you can’t choose which carriers you will receive quotes from. So if you prefer to pick individual companies to compare rates, we have a listing of low cost insurance coverage companies in your area. View list of insurance companies.

Whichever way you choose to compare rates, make absolute certain that you use nearly identical coverages and limits for each comparison quote. If each company quotes differing limits it’s impossible to determine the best price for your Chevy Astro. Just slight variations in coverages may result in a large different in cost. And when price shopping your coverage, comparing all the rates in your area helps locate more affordable rates.

Big brands don’t always mean big savings

Popular auto insurance providers such as State Farm and Allstate seem to constantly run ads on TV and radio. All the ads make the point that you’ll save big just by switching your auto insurance coverage to their company. How is it possible that every company can claim to save you money? Here is the trick they use.

All companies have specific criteria for the type of driver that earns them the most money. One example of a profitable customer could be between the ages of 30 and 50, has had continuous coverage, and has great credit. A customer getting a price quote that fits those parameters may get the lowest car insurance rates and most likely will cut their rates if they switch.

Potential customers who don’t meet these stringent criteria will get a higher premium and the customer buying from someone else. If you pay close attention to the ads, they say “customers that switch” not “everyone that quotes” save that much money. That is how companies can make claims like that. This emphasizes why you really need to get auto insurance quotes as often as possible. It is impossible to guess the company that will provide you with the cheapest prices.

Save a ton by receiving these five discounts

Companies that sell car insurance do not list all possible discounts very well, so the next list breaks down both well-publicized and also the lesser-known insurance savings.

  • Own a Home and Save – Owning your own home or condo can earn you a little savings due to the fact that maintaining a home requires personal responsibility.
  • Lower Rates for Military – Being on active duty in the military may lower your prices slightly.
  • Theft Prevention Discount – Cars equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and earn discounts up to 10% off your auto insurance quote.
  • Accident-Free Discounts – Drivers who stay claim-free have much lower rates when compared with frequent claim filers.
  • College Student Discount – Youth drivers who are enrolled in higher education away from home and won’t have access to an insured vehicle could qualify for this discount.

One last thing about discounts, most credits do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though you would think it’s possible to get free car insurance, you aren’t that lucky.

A few companies that may offer quotes with these discounts include:

Check with each insurance company how you can save money. Discounts might not be offered on policies in your state. If you would like to view insurers that offer multiple discounts, click here.

Your auto insurance coverage should be tailored to you

When it comes to choosing the right insurance coverage for your vehicles, there is no perfect coverage plan. Every insured’s situation is different so your insurance should reflect that These are some specific questions can aid in determining whether your personal situation might need professional guidance.

  • Is my cargo covered for damage or theft?
  • Are all vehicle passengers covered by medical payments coverage?
  • When should my teen driver be added to my policy?
  • Am I covered if I break a side mirror?
  • Am I covered when driving in Canada or Mexico?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered if I hit my neighbor’s mailbox?
  • What are the financial responsibility laws in my state?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

The coverage is in the details

Knowing the specifics of your policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverages found on the average car insurance policy.

Comprehensive insurance – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like hail damage, hitting a deer and falling objects. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability auto insurance – This provides protection from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as repair costs for stationary objects, funeral expenses, structural damage, pain and suffering and medical services. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Chevy Astro.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like X-ray expenses, pain medications, surgery, EMT expenses and rehabilitation expenses. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage – This coverage pays for damage to your Astro caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as backing into a parked car, driving through your garage door, hitting a mailbox, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Smart consumers save more

Throughout this article, we presented a lot of tips how to get a better price on 2004 Chevy Astro insurance. The key thing to remember is the more companies you get prices for, the better your chances of lowering your prices. Consumers could even find that the lowest premium rates come from an unexpected company. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like GEICO and State Farm.

When you buy auto insurance online, it’s a bad idea to buy less coverage just to save a little money. In too many instances, an insured dropped liability coverage limits and learned later they didn’t have enough coverage. The aim is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

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